Panorama Mortgage Group Rates, Fees & Info
CARSON CITY, NVLEI: 549300FVD3YHE65PKH97
Tax ID: 20-8083209
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Mortgage Data
Review & Overview
Panorama Mortgage Group is a small mortgage company specializing in Home Purchase loans. Panorama Mortgage Group has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Atlanta, New York, Las Vegas, and Chicago among others. We have data for 198 markets. (Some data included below & more in-depth data is available with an active subscription.)Panorama Mortgage Group has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Panorama Mortgage Group is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.73% | 4/22/24 |
| 30 Year Conventional Refi | 7.01% | 4/22/24 |
| 30 Year Cash-out Refi | 7.13% | 4/22/24 |
| 30 Year FHA Purchase | 7.73% | 4/22/24 |
| 30 Year FHA Refi | 7.16% | 4/22/24 |
| 30 Year VA Purchase | 6.56% | 4/22/24 |
| 30 Year USDA Purchase | 7.10% | 4/22/24 |
| 15 Year Conventional Purchase | 7.03% | 4/22/24 |
| 15 Year Conventional Refi | 6.63% | 4/22/24 |
| 15 Year Cash-out Refi | 6.63% | 4/22/24 |
| 15 Year VA Refi | 5.68% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Panorama Mortgage Group Mortgage Calculator
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This is not an official calculator from Panorama Mortgage Group. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,058Origination Dollar Volume (All Markets)
$1,357,650,000Awards
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PANORAMA MORTGAGE GROUP - 2019
PANORAMA MORTGAGE GROUP is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 584 | $212,490,000 | $363,853 | $9,609 | 4.37% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 766 | $130,540,000 | $170,418 | $8,003 | 5.46% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 311 | $96,445,000 | $310,113 | $10,963 | 4.78% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 333 | $72,615,000 | $218,063 | $6,531 | 4.47% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 351 | $64,425,000 | $183,547 | $7,137 | 4.60% |
| FRESNO, CA (FHA|USDA|VA) | 292 | $60,230,000 | $206,267 | $7,963 | 4.10% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 271 | $50,715,000 | $187,140 | $6,723 | 4.83% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 130 | $46,120,000 | $354,769 | $9,912 | 4.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 172 | $41,460,000 | $241,047 | $8,596 | 4.05% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 137 | $39,475,000 | $288,139 | $10,563 | 3.55% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 152 | $38,740,000 | $254,868 | $9,002 | 4.93% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 157 | $36,285,000 | $231,115 | $3,681 | 4.10% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 82 | $27,760,000 | $338,537 | $11,989 | 4.67% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 122 | $25,300,000 | $207,377 | $8,905 | 5.02% |
| VISALIA, CA (FHA|USDA|VA) | 157 | $22,885,000 | $145,764 | $7,720 | 3.86% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 132 | $20,470,000 | $155,076 | $4,213 | 4.35% |
| VALLEJO, CA (FHA|USDA|VA) | 83 | $19,765,000 | $238,133 | $10,000 | 3.60% |
| SANTA FE, NM (FHA|USDA|VA) | 68 | $19,750,000 | $290,441 | $10,819 | 4.58% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 72 | $18,070,000 | $250,972 | $12,749 | 5.63% |
| MODESTO, CA (FHA|USDA|VA) | 83 | $15,115,000 | $182,108 | $7,644 | 3.72% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 101 | $14,335,000 | $141,931 | $6,280 | 4.77% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 81 | $13,945,000 | $172,160 | $7,048 | 4.49% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 35 | $11,145,000 | $318,429 | $3,804 | 3.96% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 57 | $10,975,000 | $192,544 | $6,271 | 4.67% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 82 | $10,490,000 | $127,927 | $4,715 | 4.92% |
| BATON ROUGE, LA (FHA|USDA|VA) | 56 | $10,050,000 | $179,464 | $7,981 | 5.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 21 | $9,615,000 | $457,857 | $6,919 | 4.06% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 52 | $9,090,000 | $174,808 | $7,520 | 5.05% |
| PROVO-OREM, UT (FHA|USDA|VA) | 31 | $8,965,000 | $289,194 | $4,541 | 3.88% |
| STOCKTON, CA (FHA|USDA|VA) | 50 | $8,710,000 | $174,200 | $10,815 | 3.43% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 51 | $8,205,000 | $160,882 | $3,214 | 4.38% |
| SALINAS, CA (FHA|USDA|VA) | 21 | $7,155,000 | $340,714 | $8,745 | 4.77% |
| MERCED, CA (FHA|USDA|VA) | 41 | $6,905,000 | $168,415 | $7,435 | 3.86% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 46 | $6,820,000 | $148,261 | $7,410 | 5.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 29 | $6,465,000 | $222,931 | $6,177 | 4.72% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 29 | $6,135,000 | $211,552 | $6,843 | 4.70% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 27 | $5,835,000 | $216,111 | $8,441 | 4.24% |
| Outside of Metro Areas | 42 | $5,660,000 | $134,762 | $5,482 | 4.78% |
| MUSKEGON, MI (FHA|USDA|VA) | 43 | $5,145,000 | $119,651 | $4,231 | 4.43% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 17 | $5,055,000 | $297,353 | $7,821 | 4.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 27 | $4,665,000 | $172,778 | $7,775 | 4.33% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 18 | $4,610,000 | $256,111 | $7,946 | 5.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 16 | $4,410,000 | $275,625 | $8,141 | 4.27% |
| MADERA, CA (FHA|USDA|VA) | 23 | $4,365,000 | $189,783 | $7,517 | 4.34% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 23 | $3,995,000 | $173,696 | $7,659 | 3.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 32 | $3,890,000 | $121,563 | $6,898 | 5.42% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 13 | $3,825,000 | $294,231 | $10,286 | 4.57% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 22 | $3,640,000 | $165,455 | $5,579 | 4.08% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 16 | $3,560,000 | $222,500 | $6,734 | 4.20% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,460,000 | $576,667 | $8,668 | 4.55% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 19 | $3,295,000 | $173,421 | $9,359 | 5.49% |
| GAINESVILLE, GA (FHA|USDA|VA) | 19 | $3,065,000 | $161,316 | $8,779 | 5.48% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 10 | $2,820,000 | $282,000 | $5,074 | 3.66% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 17 | $2,815,000 | $165,588 | $8,347 | 4.76% |
| LOUISVILLE, KY (FHA|USDA|VA) | 16 | $2,360,000 | $147,500 | $6,205 | 4.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $2,350,000 | $235,000 | $6,082 | 4.34% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,265,000 | $453,000 | $10,769 | 5.04% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $11,598 | 5.57% |
| DALTON, GA (FHA|USDA|VA) | 22 | $2,220,000 | $100,909 | $6,056 | 5.20% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $2,090,000 | $130,625 | $4,826 | 5.95% |
| Frankfort, IN (FHA|USDA|VA) | 18 | $1,980,000 | $110,000 | $4,649 | 4.74% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 13 | $1,965,000 | $151,154 | $4,411 | 4.88% |
| Heber, UT (FHA|USDA|VA) | 4 | $1,890,000 | $472,500 | $5,114 | 3.94% |
| RACINE, WI (FHA|USDA|VA) | 10 | $1,850,000 | $185,000 | $3,064 | 3.99% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $9,162 | 4.52% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 9 | $1,655,000 | $183,889 | $10,754 | 5.74% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $1,635,000 | $181,667 | $6,597 | 4.47% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 12 | $1,520,000 | $126,667 | $7,490 | 5.41% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $6,836 | 4.57% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $6,071 | 4.66% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $8,215 | 3.92% |
| TULSA, OK (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $7,060 | 5.48% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $10,704 | 4.17% |
| Española, NM (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $8,231 | 5.03% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 8 | $1,000,000 | $125,000 | $7,810 | 5.89% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $14,881 | 4.68% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $8,333 | 4.59% |
| Jefferson, GA (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $6,300 | 5.22% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $5,459 | 5.25% |
| Las Vegas, NM (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $9,229 | 5.31% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $2,410 | 4.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,153 | 4.69% |
| Marshalltown, IA (FHA|USDA|VA) | 7 | $765,000 | $109,286 | $4,220 | 4.21% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $7,145 | 4.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $8,041 | 4.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $9,116 | 6.09% |
| AMES, IA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,890 | 3.94% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $10,559 | 4.38% |
| WACO, TX (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $5,166 | 3.17% |
| Clewiston, FL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $6,836 | 5.78% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $6,718 | 6.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $9,621 | 4.29% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $11,050 | 4.31% |
| Holland, MI (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,437 | 4.56% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $12,757 | 4.69% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,454 | 4.25% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $4,820 | 4.97% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $5,124 | 5.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $11,696 | 4.19% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,003 | 4.38% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,548 | 4.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,458 | 3.88% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,422 | 4.19% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $8,003 | 7.33% |
| MADISON, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,377 | 3.88% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,790 | 4.54% |
| Crawfordsville, IN (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,119 | 5.21% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $15,113 | 3.88% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,635 | 4.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,109 | 5.38% |
| Key West, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,735 | 5.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,746 | 4.50% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,836 | 5.19% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,134 | 3.88% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,496 | 6.75% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $5,720 | 5.79% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,577 | 3.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,612 | 4.63% |
| Middlesborough, KY (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $6,090 | 5.34% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,060 | 4.31% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,089 | 3.95% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,495 | 3.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,890 | 4.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $8,214 | 6.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,171 | 5.06% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,023 | 4.69% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,294 | 4.13% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,408 | 4.63% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,307 | 4.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,297 | 4.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,405 | 3.79% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,677 | 4.12% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,505 | 3.88% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,683 | 3.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,599 | 4.63% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $6,598 | 6.67% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,865 | 4.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,288 | 4.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,419 | 4.63% |
| NILES, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,070 | 4.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,905 | 4.63% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,119 | 4.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,952 | 4.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $153 | 5.13% |
| Torrington, CT (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $6,113 | 6.31% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,461 | 4.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,670 | 5.63% |
| Bonham, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,641 | 4.50% |
| Granbury, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $7,405 | 6.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,397 | 4.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,870 | 3.63% |
| Roswell, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,826 | 4.63% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,096 | 4.13% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,440 | 4.13% |
| Taos, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,168 | 4.88% |
| ENID, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,877 | 4.75% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,539 | 3.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,268 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,972 | 5.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,496 | 5.13% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,741 | 4.55% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,064 | 7.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,821 | 3.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,190 | 6.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,023 | 4.25% |
| Jesup, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,313 | 5.13% |
| BEND, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,452 | 4.13% |
| Susanville, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,664 | 7.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,098 | 7.38% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,094 | 5.38% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,511 | 4.50% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,247 | 3.63% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,658 | 4.13% |
| REDDING, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,414 | 7.63% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,603 | 4.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,028 | 4.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,327 | 4.88% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,195 | 4.75% |
| Owatonna, MN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $7,592 | 1.69% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $686 | 4.75% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,127 | 4.25% |
| Waycross, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,430 | 4.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,816 | 4.25% |
| Minden, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,108 | 5.20% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,784 | 4.63% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,693 | 4.25% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,538 | 5.13% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,570 | 5.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,866 | 4.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,988 | 7.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,992 | 5.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,769 | 4.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,480 | 4.88% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,469 | 5.13% |
| Jasper, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,357 | 4.75% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,265 | 5.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,745 | 5.50% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,417 | 4.75% |
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Product Mix
For 2019, Panorama Mortgage Group's most frequently originated type of loan was Conventional, with 3,384 originations. Their 2nd most popular type was FHA, with 2,390 originations.
Loan Reason
For 2019, Panorama Mortgage Group's most frequently cited loan purpose was Home Purchase, with 4,992 originations. The 2nd most popular reason was Cash Out Refi, with 522 originations.
Loan Duration/Length
For 2019, Panorama Mortgage Group's most frequently cited loan duration was 30 Year, with 5,700 originations. The 2nd most popular length was 10 Year, with 179 originations.
Origination Fees/Closing Costs
Panorama Mortgage Group's average total fees were $7,948, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,717 originations.
Interest Rates
During 2019, Panorama Mortgage Group's average interest rate for loans was 4.53%, while their most frequently originated rate bucket for loans was 4-5%, with 2,723 originations.
Loan Sizing
2019 saw Panorama Mortgage Group place emphasis on $200k-400k loans with 2,481 originations, totaling $686,565,000 in origination value.
Applicant Income
Panorama Mortgage Group lent most frequently to those with incomes in the $50k-75k range, with 1,845 originations. The second most popular income band? $50k or less, with 1,691 originations.
Applicant Debt to Income Ratio
Panorama Mortgage Group lent most frequently to those with DTI ratios of 50-60%, with 799 originations. The next most common DTI ratio? 30-36%, with 771 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.82%
Panorama Mortgage Group has an average approval rate.
Pick Rate
Approvals leading to origination69.10%
Panorama Mortgage Group has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,058 | $1,357,650,000 | $224,109 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 44 | $7,970,000 | $181,136 |
| Single Family (1-4 Units):Site-Built | 6,014 | $1,349,680,000 | $224,423 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Panorama Mortgage Group, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| Panorama Mortgage Group, LLC | Conventional home mortgage | Closing on a mortgage | 1 | 25.0% |
| Panorama Mortgage Group, LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| Panorama Mortgage Group, LLC | FHA mortgage | Closing on a mortgage | 1 | 25.0% |